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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
INTEREST INCOME        
Interest and fees on loans $ 9,855 $ 9,462 $ 29,189 $ 28,336
Interest bearing deposits 3 2 8 11
Short-term investments in money market funds 42 31 93 54
Investment securities:        
Available for sale 973 779 2,819 2,324
Held to maturity 314 202 877 562
Total Interest Income 11,187 10,476 32,986 31,287
INTEREST EXPENSE        
Deposits 1,618 1,391 4,558 3,975
Short-term borrowings 44 2 130 49
Advances from Federal Home Loan Bank 178 166 511 484
Guaranteed junior subordinated deferrable interest debentures 280 280 840 840
Subordinated debt 130 131 390 389
Total Interest Expense 2,250 1,970 6,429 5,737
NET INTEREST INCOME 8,937 8,506 26,557 25,550
Provision for loan losses 200 300 750 3,650
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 8,737 8,206 25,807 21,900
NON-INTEREST INCOME        
Trust and investment advisory fees 2,045 2,035 6,292 6,234
Service charges on deposit accounts 409 433 1,168 1,252
Net gains on sale of loans 217 260 517 552
Mortgage related fees 69 132 227 293
Net realized gains on investment securities 56 60 115 177
Bank owned life insurance 143 169 594 505
Other income 690 572 2,033 1,827
Total Non-Interest Income 3,629 3,661 10,946 10,840
NON-INTEREST EXPENSE        
Salaries and employee benefits 6,005 5,901 17,994 17,935
Net occupancy expense 634 656 1,947 2,083
Equipment expense 343 419 1,196 1,264
Professional fees 1,213 1,330 3,828 3,987
Supplies, postage and freight 161 181 516 530
Miscellaneous taxes and insurance 319 287 924 866
Federal deposit insurance expense 156 189 468 556
Other expense 1,283 1,393 3,643 3,885
Total Non-Interest Expense 10,114 10,356 30,516 31,106
PRETAX INCOME 2,252 1,511 6,237 1,634
Provision for income tax expense 701 446 1,949 474
NET INCOME 1,551 1,065 4,288 1,160
Preferred stock dividends 0 0 0 15
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 1,551 $ 1,065 $ 4,288 $ 1,145
Basic:        
Net income $ 0.08 $ 0.06 $ 0.23 $ 0.06
Average number of shares outstanding 18,380 18,899 18,590 18,893
Diluted:        
Net income $ 0.08 $ 0.06 $ 0.23 $ 0.06
Average number of shares outstanding 18,481 18,957 18,689 18,947
Cash dividends declared $ 0.015 $ 0.015 $ 0.045 $ 0.035